What's the best first car Golf insurance-wise?

[JoshGTI]

Yeah thought so.

I've checked stuff on price comparion sites (and still get the spam from them now), and I think it must have gone wrong because I just saw a load of phone numbers on the screen 

My mum was talking about insuring the car herself and putting me down as a second driver. I don't think that'd work at 17 because I'll need special provisional insurance won't I?

That is classed as fronting and is a bad move.

Ahh, is it illegal then? What's the likelyhood I'll get in trouble for it? What's the consequences?

[danny_p]

Yeah thought so.

I've checked stuff on price comparion sites (and still get the spam from them now), and I think it must have gone wrong because I just saw a load of phone numbers on the screen 

My mum was talking about insuring the car herself and putting me down as a second driver. I don't think that'd work at 17 because I'll need special provisional insurance won't I?

That is classed as fronting and is a bad move.

it's not actualy frounting if.

if you mother is the owner and main user of the car  you can be a named driver on it no problems

the problem is when your mother has 2 cars one of whitch she never drives and is infact your car,  then mr insurance man get upset 

[danny_p]

conciquence is you go ragging your car ( whitch will happen )  hit something expensive  you have to make a claim and your insrance company look at ways of getting out of it and they'll spot it then,

but there not going to point that out when your giveing them money becasue you mayy stop giveing them mony and that would be bad for profit, instead theer going to look when you want them to pay out because that is bad for profit

the logic is simple

you give them info , they calculate risk , you pay premium , you crash, they pay out,    they loose money 
you give bollox info, they caluclate risk, you pay smaller premium,  you crash, they don't pay, they make profit

[archie837]

Yeah you need to be careful. It's probably ok to do this when you're learning as you'll have your mum with you most times - I did it last year with my dad, but it didn't make that much difference money wise - was a 1.3 skoda felicia and £900 on my dads and £1000 on my own.

[JoshGTI]

Well when I'm using a provisional lisence I'll have my mum or dad in the car with me anyway as people have said, but I'll see what I should do when I'm 18, I got some time yet.

[hol173 x]

When I passed I had my mum as the main driver and I was an additional driver and it was alot cheaper for me, and the car was in my name I have had people tell me that I shouldnt do that but nearly driving 3 years I had never been pulled over for it,

But I regret going on my mums now as I never got the NCB, now on my Golf GTI I have my own insurance with my mum as an additional driver and its a bit cheaper,

My advice take you own insurance out with your parents as additional driver and it would be a bit cheaper, and you can get your NCB